Comenity

Only thing I would caution people to do is to be VERY careful when opening any store credit card that uses Comenity Bank. They are a Fraud with high rates and unfair if not illegal practices. The customer service is unwilling to do anything to help besides saying that they wish they could help.

I always pay my bills on time, however, I accidentally missed a payment by 2 days and was charged a late fee. So I closed my account and paid the late fee. I was charged another late fee and they refused to take it off! Will not ever use or recommend Comenity Bank for anything...They are RIPOFF!

Awful! I applied for an Ulta card and a Sephora card within 2 days of each other. Apparently the cards were intercepted by a thief while in transit because Comenity called to tell me they suspected fraudulent transactions on the cards. I said yes because I have not received either card. Comenity canceled the cards and reissued two replacement cards that day.

They closed my Ulta MasterCard after 2 late payments without even telling me. When I finally got a new job after 7 months and called to try to catch up on payments, the rep was very nice and said she’d waive late fees on that and a couple other Comenity store cards. She gave me an amount to bring the Ulta card up to current, which I paid. I only found out after checking my credit report that the account had been closed for 2 months!

I have a few Comenity credit cards. If I could rate them a zero I would. DO NOT OPEN any credit cards with them. They will decrease your limit or close your account once you pay it off or have a large available credit they snatch it right from you! I will NEVER open another single card through them again!!!

I received catalogs that use Comenity bank. So, I decided to open about 3 accounts, what did I do that for. Along with the outlandish fees for the small credit limits were crazy. They're thieves. They're out for money and that's it. They won't help or negotiate properly. Stay Away, it's a weird company. I've had these accounts for some reason transferred 2x to 2 more fake scam companies who have my information which is fraud. Portfolio/Rausch Sturm

Comenity Bank charged me twice finance charged before my 12 months was up. I called them and emailed to explained to them I'm on a 12 month promotion. They did not seem to care or give me an explanation. It was only 2 dollars for 2 months but it is principle. Comenity bank are liars and they lost a good paying customer. I even paid a month ahead and close to the end of my promotion being up. They charged me a late and would not remove that either. I will blast Comenity bank to friends and family. NO ONE SHOULD DO BUSINESS WITH COMENITY BANK. I WILL NEVER DEAL WITH COMENITY BANK AGAIN.

Like many others, Comenity promised a lot, so I applied was approved, but 3 months later, they closed the account, stating I had too many inquiries. LOL, they were the only inquiry. I had used the card once during travel for a hotel stay, paid if off the following week. I called support, that was a bad experience, unprofessional and rude staff, sounded like they were having a party in the background. I wish I would have read the reviews here first. From my experience, don't do business with Comenity!

My payment was due the 12th of January. I pay all my bills online using billpay service and never had a problem with a late fee. I sent the payment on Jan 6th, plenty of time to arrive on time. Post office mail takes 2 days to get to TX. Get my next statement from them and it has $28 late fee and $5 interest and shows my payment was received on the 15th. We statement was mailed to me on the 17th. I call in to talk to them. They will not talk to me because the account is in my wife's name.

I purchased a wedding ring on 11/23/18 from Kay Jewelers. I was told that if I opened an account with Comenity Bank and paid off the balance within 12 months I would not be charged any interest. The balance was divided into 12 payments with the first payment due on 1/16/19. This was done automatically through their direct draft system. Unbeknownst to me, because I made the purchase in November of 2018, the balance had to be paid by November 2019. Their system automatically divided my balance into 12 easy payments and pushed the first payment one month out causing me to be one month late on my final payment. I was charged 12 months interest for the entire amount from the date of purchase. I realize that if I had paid closer attention and had not been so trusting I would have caught their little scam. I didn't and now I know and I'll never do business with them again.